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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,615 | $110,410-59.6% | $102,437-56.4% | $145,897-69.4% |
| Participation rate | 45.5% | 77.9%-32.5pp | 74.5%-29.1pp | 80.3%-34.9pp |
| Annual return | 23.79% | 24.85%-1.1pp | 24.95%-1.2pp | 552.29%-528.5pp |
| Employer contribution / active EE | $62 | $4,217-98.5% | $3,871-98.4% | $4,663-98.7% |
| Participant deferral / active EE | $2,259 | $5,622-59.8% | $5,060-55.4% | $6,689-66.2% |
| Admin fee / account holder | $34,055 | $9,745+249.5% | $8,388+306.0% | $13,390+154.3% |